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What is the Difference Between an Acquiring Bank and an Issuing Bank?

Understanding Payments

What is the Difference Between an Acquiring Bank and an Issuing Bank?

Acquiring banks and issuing banks (sometimes referred to as “acquirers” and “issuers,” respectively) are two important institutions in the credit card processing ecosystem.

By Miranda Russell on Feb 14, 2019
Working Hard for the Next Step in Our Evolution

The Helcim Vlog

Working Hard for the Next Step in Our Evolution

I’ve been busy working on some big changes that will be coming to Helcim. Because some things are currently under contract negotiations and others are still under wraps, I can’t share too many details about what we are working on yet.

By Nicolas Beique on Sep 10, 2018
Understanding Payment Gateways

Understanding Payments

Understanding Payment Gateways

Payment gateways allow you to integrate credit card processing into your website so your customers can pay for their purchases with their preferred payment method.

By Miranda Russell on Feb 21, 2019
Merchants of Helcim – Zoran Dobric

Inside Helcim

Merchants of Helcim – Zoran Dobric

To reach more customers across Canada and abroad, Zoran uses Helcim for his online store and ecommerce sales. As a niche designer, the ability to reach more customers in different regions and countries is very beneficial for Zoran and allows him to expand his customer base beyond just his local hub. He describes Helcim’s online store as being amazingly easy to use and that the sleek aesthetic aligns well with his fashion brand.

By Jeff Merkel on Feb 28, 2019

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Choosing a Payment Processor

The Top 5 Tricks & Misleading Techniques Used by Credit Card Processors

Many credit card processing companies use sneaky tactics to trick merchants into bad deals. Here are the top five.

By Nicolas Beique on Jun 9, 2016
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Choosing a Payment Processor

The Top 5 Tricks & Misleading Techniques Used by Canadian Credit Card Processors

Be aware that many Canadian payment processors often trick their merchants into bad deals.

By Nicolas Beique on Oct 12, 2016
Card Brands Now Require CVV Security Code

Payments News

Card Brands Now Require CVV Security Code

To help combat the occurrence of fraud, Visa now requires the CVV to obtain transaction authorization for all manually keyed in transactions.

By Radu Georgescu on Sep 27, 2018
Visa Debit

Understanding Payments

How Visa Debit Works in the US vs. Canada

Visa Debit includes the added benefits of credit cards, including purchase protection and the accessibility of online payments, while still allowing consumers to pay for purchases directly from their bank account.

By Zachary Nickerson on Jun 14, 2018
Visa and Mastercard Announce Rate Adjustment for January 2019

Payments News

Visa and Mastercard Announce Rate Adjustment for January 2019

Visa and Mastercard have both announced rate adjustments effective January 1, 2019. Visa has announced that their base assessment fee will increase to 0.09% from the current 0.08% and Mastercard has announced a reduction to the Mastercard interchange rates.

By Miranda Russell on Dec 14, 2018
Introducing the New Helcim Blog!

Inside Helcim

Introducing the New Helcim Blog!

You may have noticed that the Helcim Blog has undergone a significant facelift.

By Nicolas Beique on Oct 17, 2018
What is the Difference Between an Acquiring Bank and an Issuing Bank?

Understanding Payments

What is the Difference Between an Acquiring Bank and an Issuing Bank?

Acquiring banks and issuing banks (sometimes referred to as “acquirers” and “issuers,” respectively) are two important institutions in the credit card processing ecosystem.

By Miranda Russell on Feb 14, 2019
Understanding Declines for Credit Card Processing

Understanding Payments

Understanding Declines for Credit Card Processing

When a credit card is approved during a transaction, it is the customer’s issuing bank, not the processor or the card network, that is approving the card. Similar to how a transaction is approved, when a credit card is declined, it is typically declined by the cardholder’s issuing bank, as they are the entity that decides the outcome of the transaction.

By Zachary Nickerson on Feb 19, 2019
5 Benefits of Accepting Credit Cards

Understanding Payments

5 Benefits of Accepting Credit Cards

Whether you’re just starting out and debating which payment methods you’d like to accept, or you have a more established business that has been able to avoid accepting credit cards up until now, there is certainly a strong case to be made for accepting credit cards. Here are five ways that accepting credit cards can help your business.

By Radu Georgescu on Jan 17, 2019
Understanding Payment Gateways

Understanding Payments

Understanding Payment Gateways

Payment gateways allow you to integrate credit card processing into your website so your customers can pay for their purchases with their preferred payment method.

By Miranda Russell on Feb 21, 2019

The Helcim Blog

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Helcim Tutorial – Exporting your Transactions

Using Helcim

Helcim Tutorial – Exporting a Record of Your Transactions

In this tutorial, Helcim Guru Ina shows you how you can export a record of your transactions. You may need to export a copy of your transactions if you’re completing your bookkeeping or finalizing company reports.

By Ina Kebet on Mar 22, 2019
Mobile Commerce Considerations for Your Business

Small Business Center

Mobile Commerce Considerations for Your Business

Mobile commerce, or mcommerce, refers to payments made using smartphones or tablets, and it is the natural progression of ecommerce as more and more consumers have access to mobile devices.

By Jeff Merkel on Mar 22, 2019
Lessons from Founders Vol. 5

Small Business Center

Lessons from Founders Vol. 5

Our February Founders panel was focused on the topic of technology, and the consensus of the evening was that today every business is a technology company and that all business owners should look to technology to help them execute their roles better.

By Miranda Russell on Mar 15, 2019
What is Credit Card Tokenization?

Understanding Payments

What is Credit Card Tokenization?

Credit card tokenization is the process used to create a token to represent a customer’s credit card, this token is an alphanumeric string of characters that represent that customer’s credit card.

By Radu Georgescu on Mar 14, 2019
DonHCM_SINGLE_QUOTE_PLACEHOLDERt be Tricked into Switching Providers by These Sales Pitches

Choosing a Payment Processor

Don't be Tricked into Switching Providers by These Sales Pitches

High-pressure sales tactics may be used by some ISO’s (Independent Sales Organizations) when they’re speaking to potential merchants and trying to get them to sign up for payment processing.

By Radu Georgescu on Mar 12, 2019
What are NFC Payments?

Understanding Payments

What are NFC Payments?

It’s likely that you commonly understand NFC payments as “Tap and Pay” or simply “Tap,” but NFC stands for near field communication and refers to the technology employed to complete these types of transactions.

By Damian Warszawski on Mar 7, 2019
Equipment Solutions for Card Present Transactions

Understanding Payments

Equipment Solutions for Card Present Transactions

These hardware options should give you a good understanding to get started with taking payments in person. The most important things to remember is to select hardware that works for your business and that accepts payment types that your customers are comfortable using.

By Zachary Nickerson on Mar 5, 2019
Helcim FYI – What is a Point-of-Sale?

Understanding Payments

Helcim FYI – What is a Point-of-Sale System?

Retail brick-and-mortar businesses typically use a Point-of-Sale, or POS, to facilitate their day to day transactions. A POS is a system of interconnected devices that can be made up of a cash register, iPad, computer system, credit card terminal, printer, bar code scanner, and other various components that support face to face transactions.

By Annabel Hedges on Mar 1, 2019
What You Need to Know About Deposits

Understanding Payments

What You Need to Know About Deposits

If you’ve signed up for a merchant account, then you’ve probably looked into the deposit options offered by your payment processor. The funds your business receives from credit and debit card sales aren’t instantly transferred to your business’s bank account, it's important to know exactly when they’re deposited, and when you will have access to them.

By Radu Georgescu on Mar 1, 2019
Helcim Tutorial – Customizing Batch Settings

Using Helcim

Helcim Tutorial – Customizing Batch Settings

In this tutorial, Helcim Guru Ina will show you how to customize your batch settings if you need to change the batch settlement time.

By Ina Kebet on Mar 1, 2019